398 Chaparral Cir, Elgin, IL 60120 Property Records

Cook County property record for 398 Chaparral Cir, Elgin, IL 60120

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,212 sqft · built 1996
Lot Size	0.162 acres (7,055 sqft)
Owner	Company Name on Record
Last Sale	$161,000 (Nov 2018)
Tax Bill	$4,802 (2023)
Deeds & Mortgages	Sep 2025 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-17-310-078`

Property Details

APN / Parcel Number

Primary APN	`06-17-310-078`
Alternative APN	`06-17-310-078-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,055 sqft (0.162 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	398 CHAPARRAL CIR
City	ELGIN
State	IL
Zip	60120-4856
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Range	9E
Legal Township	41N
Legal Section	17
Legal Subdivision	WOODLAND CRK
Legal Lot Number	30
Legal Unit	D
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1005
Census Tract	804405

Owner

Source: Cook County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	398 CHAPARRAL CIR, ELGIN, IL 60120-4856
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Mar 23, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 13, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2018 · Amount on Record
Deed Sale	Nov 13, 2018 · Amount on Record
Prior Sale	Aug 31, 2010 · Amount on Record
Deed Document Number	201849281
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	398 CHAPARRAL CIR, ELGIN, IL 60120-4856
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026523177
Date	Sep 22, 2025
Instrument	2526523177

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

Interest

Rate Type	Fixed Rate
Rate	8.87%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	398 CHAPARRAL CIR, ELGIN, IL 60120-4856
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008212161
Date	Mar 23, 2021
Instrument	2108212161

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate	3.25%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 13, 2018
Property Address	398 CHAPARRAL CIR, ELGIN, IL 60120-4856
Document Number	1831749281
Instrument Date	Nov 9, 2018
Instrument	31749281
Transaction Type	Transfer
Record Updated	Nov 23, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 SPRINGHILL DR ROSELLE IL 601722479, ROSELLE, IL 60172-2479

Mortgage

Document Number	1831749282
Date	Nov 13, 2018
Instrument	31749282

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,001 (+0.01%) Land $4,939 Building $15,062	$200,010 (+0.01%) Land $49,390 Building $150,620
2023	$4,802.00 (+3.56%)
2022	$4,637.00 Homeowner's exemption	$19,999 Land $2,998 Building $17,001	$199,990 Land $29,980 Building $170,010

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 11, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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